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UNITED COMMUNITY BANKS INC（UCB）与世纪互联（VNET）财务数据对比。点击上方公司名可切换其他公司
世纪互联的季度营收约是UNITED COMMUNITY BANKS INC的1.3倍（$362.7M vs $276.5M），UNITED COMMUNITY BANKS INC净利率更高（30.5% vs -10.7%，领先41.1%），过去两年世纪互联的营收复合增速更高（17.4% vs 6.2%）
联合社区银行是美国的金融机构，为美国东南部规模领先的全服务金融机构之一，总资产达277亿美元，在阿拉巴马州、佛罗里达州、佐治亚州、北卡罗来纳州、南卡罗来纳州和田纳西州设有200个营业网点，同时也是总部位于南卡罗来纳州的总资产规模最大的银行。
VNET Group即世纪互联，是中国领先的第三方中立数据中心服务商，提供机柜托管、云基础设施、混合云部署及网络管理等解决方案，服务覆盖科技、金融、零售等多领域企业客户，为企业数字化运营提供稳定的算力与网络支撑。
UCB vs VNET — 直观对比
营收规模更大
VNET
是对方的1.3倍
$276.5M
净利率更高
UCB
高出41.1%
-10.7%
两年增速更快
VNET
近两年复合增速
6.2%
损益表 — Q1 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $276.5M | $362.7M |
| 净利润 | $84.3M | $-38.7M |
| 毛利率 | — | 20.9% |
| 营业利润率 | — | 0.5% |
| 净利率 | 30.5% | -10.7% |
| 营收同比 | 11.6% | — |
| 净利润同比 | 18.0% | — |
| 每股收益（稀释后） | $0.69 | — |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收UCBVNET
| Q1 26 | $276.5M | — | ||
| Q4 25 | $278.4M | — | ||
| Q3 25 | $276.8M | $362.7M | ||
| Q2 25 | $260.2M | — | ||
| Q1 25 | $247.7M | $309.5M | ||
| Q4 24 | $250.9M | — | ||
| Q3 24 | $217.3M | $302.2M | ||
| Q2 24 | $245.3M | $274.4M |
净利润UCBVNET
| Q1 26 | $84.3M | — | ||
| Q4 25 | $86.5M | — | ||
| Q3 25 | $91.5M | $-38.7M | ||
| Q2 25 | $78.7M | — | ||
| Q1 25 | $71.4M | $-2.4M | ||
| Q4 24 | $75.8M | — | ||
| Q3 24 | $47.3M | $-2.1M | ||
| Q2 24 | $66.6M | $-1.1M |
毛利率UCBVNET
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 20.9% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 25.2% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 23.2% | ||
| Q2 24 | — | 21.3% |
营业利润率UCBVNET
| Q1 26 | — | — | ||
| Q4 25 | 40.5% | — | ||
| Q3 25 | 42.6% | 0.5% | ||
| Q2 25 | 38.6% | — | ||
| Q1 25 | 36.8% | 0.1% | ||
| Q4 24 | 38.4% | — | ||
| Q3 24 | 27.5% | 24.5% | ||
| Q2 24 | 35.1% | 0.2% |
净利率UCBVNET
| Q1 26 | 30.5% | — | ||
| Q4 25 | 31.1% | — | ||
| Q3 25 | 33.0% | -10.7% | ||
| Q2 25 | 30.3% | — | ||
| Q1 25 | 28.8% | -0.8% | ||
| Q4 24 | 30.2% | — | ||
| Q3 24 | 21.8% | -0.7% | ||
| Q2 24 | 27.2% | -0.4% |
每股收益（稀释后）UCBVNET
| Q1 26 | $0.69 | — | ||
| Q4 25 | $0.71 | — | ||
| Q3 25 | $0.70 | — | ||
| Q2 25 | $0.63 | — | ||
| Q1 25 | $0.58 | — | ||
| Q4 24 | $0.61 | — | ||
| Q3 24 | $0.38 | — | ||
| Q2 24 | $0.54 | — |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $493.1M | $492.1M |
| 总债务越低越好 | $205.5M | — |
| 股东权益账面价值 | $3.7B | $890.8M |
| 总资产 | $28.2M | $6.1B |
| 负债/权益比越低杠杆越低 | 0.06× | — |
8季度趋势，按日历期对齐
现金及短期投资UCBVNET
| Q1 26 | $493.1M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $492.1M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $544.3M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $219.5M | ||
| Q2 24 | — | $247.2M |
总债务UCBVNET
| Q1 26 | $205.5M | — | ||
| Q4 25 | $120.4M | — | ||
| Q3 25 | $155.3M | — | ||
| Q2 25 | $155.1M | — | ||
| Q1 25 | $254.3M | — | ||
| Q4 24 | $254.2M | — | ||
| Q3 24 | $316.4M | $1.2B | ||
| Q2 24 | $324.9M | — |
股东权益UCBVNET
| Q1 26 | $3.7B | — | ||
| Q4 25 | $3.6B | — | ||
| Q3 25 | $3.6B | $890.8M | ||
| Q2 25 | $3.6B | — | ||
| Q1 25 | $3.5B | $927.8M | ||
| Q4 24 | $3.4B | — | ||
| Q3 24 | $3.4B | $902.9M | ||
| Q2 24 | $3.3B | $900.6M |
总资产UCBVNET
| Q1 26 | $28.2M | — | ||
| Q4 25 | $28.0B | — | ||
| Q3 25 | $28.1B | $6.1B | ||
| Q2 25 | $28.1B | — | ||
| Q1 25 | $27.9B | $5.4B | ||
| Q4 24 | $27.7B | — | ||
| Q3 24 | $27.4B | $4.3B | ||
| Q2 24 | $27.1B | $4.0B |
负债/权益比UCBVNET
| Q1 26 | 0.06× | — | ||
| Q4 25 | 0.03× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.07× | — | ||
| Q4 24 | 0.07× | — | ||
| Q3 24 | 0.09× | 1.28× | ||
| Q2 24 | 0.10× | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | — | $113.8M |
| 自由现金流经营现金流 - 资本支出 | — | $-193.1M |
| 自由现金流率自由现金流/营收 | — | -53.2% |
| 资本支出强度资本支出/营收 | — | 84.6% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $-589.7M |
8季度趋势，按日历期对齐
经营现金流UCBVNET
| Q1 26 | — | — | ||
| Q4 25 | $384.0M | — | ||
| Q3 25 | $123.1M | $113.8M | ||
| Q2 25 | $96.8M | — | ||
| Q1 25 | $98.6M | $27.0M | ||
| Q4 24 | $349.7M | — | ||
| Q3 24 | $7.7M | $108.3M | ||
| Q2 24 | $105.1M | $55.8M |
自由现金流UCBVNET
| Q1 26 | — | — | ||
| Q4 25 | $356.5M | — | ||
| Q3 25 | $117.7M | $-193.1M | ||
| Q2 25 | $84.7M | — | ||
| Q1 25 | $94.3M | $-220.0M | ||
| Q4 24 | $302.7M | — | ||
| Q3 24 | $-2.2M | $-95.0M | ||
| Q2 24 | $87.2M | $-81.6M |
自由现金流率UCBVNET
| Q1 26 | — | — | ||
| Q4 25 | 128.0% | — | ||
| Q3 25 | 42.5% | -53.2% | ||
| Q2 25 | 32.6% | — | ||
| Q1 25 | 38.1% | -71.1% | ||
| Q4 24 | 120.7% | — | ||
| Q3 24 | -1.0% | -31.4% | ||
| Q2 24 | 35.6% | -29.8% |
资本支出强度UCBVNET
| Q1 26 | — | — | ||
| Q4 25 | 9.9% | — | ||
| Q3 25 | 1.9% | 84.6% | ||
| Q2 25 | 4.7% | — | ||
| Q1 25 | 1.7% | 79.8% | ||
| Q4 24 | 18.8% | — | ||
| Q3 24 | 4.6% | 67.3% | ||
| Q2 24 | 7.3% | 50.1% |
现金转化率UCBVNET
| Q1 26 | — | — | ||
| Q4 25 | 4.44× | — | ||
| Q3 25 | 1.35× | — | ||
| Q2 25 | 1.23× | — | ||
| Q1 25 | 1.38× | — | ||
| Q4 24 | 4.61× | — | ||
| Q3 24 | 0.16× | — | ||
| Q2 24 | 1.58× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
UCB
| Deposits | $98.0M | 35% |
| Investment securities, including tax exempt of $1,646 and $1,678, respectively | $45.3M | 16% |
| Money market | $40.7M | 15% |
| Time | $28.7M | 10% |
| NOW and interest-bearing demand | $28.1M | 10% |
| Service charges and fees | $9.5M | 3% |
| Other | $8.0M | 3% |
| Mortgage loan gains and other related fees | $8.0M | 3% |
| Wealth management fees | $4.6M | 2% |
| Lending and loan servicing fees | $4.0M | 1% |
| Deposits in banks and short-term investments | $1.2M | 0% |
| Securities gains, net | $133.0K | 0% |
VNET
暂无分部数据
